809 Cloverdale Rd, Independence, VA 24348 Property Records

Grayson County property record for 809 Cloverdale Rd, Independence, VA 24348

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 4,734 sqft · built 1998
Lot Size	174 acres (7,590,330 sqft)
Owner	Individual Name on Record
Tax Bill	$7,624 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Mar 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`51-A-48`

Property Details

APN / Parcel Number

Primary APN	`51-A-48`
Alternative APN	`11695`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	3 Stories
Building Area	4,734 sqft Living Area
Gross Area	10,344 sqft
1st Floor Area	4,236 sqft
Basement Area	1,536 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2015
Exterior Material	Stone
Roof Type	Gable
Roof Material	Slate
Lot Area	7,590,330 sqft (174 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Deck Area	684 sqft
Patio Area	440 sqft
Shed	1 Shed
Shed Area	640 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11695
Street Address	809 CLOVERDALE RD
City	INDEPENDENCE
State	VA
Zip	24348-5016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Description	174.25 51-A-48
Jurisdiction	GRAYSON VA
Township / Civil Division	ELK CREEK
Census Block Group	2
Census Block	2022
Census Tract	60202

Owner

Source: Grayson County records, as of June 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	809 CLOVERDALE RD, INDEPENDENCE, VA 24348-5016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2020	Deed of Trust, Mortgage · Line of Credit SKYLINE NATIONAL BANK
Mar 16, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 10, 2020
Transfer Doc	639/186
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON VA
Property Address	809 CLOVERDALE RD, INDEPENDENCE, VA 24348-5016
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000639/121
Date	Mar 16, 2020
Book Page	639/121
Instrument	200000477

Lender

Name	SKYLINE NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 25, 2035

Interest

Rate Type	Adjustable Rate

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAYSON VA
Recording Date	Mar 16, 2020
Property Address	809 CLOVERDALE RD, INDEPENDENCE, VA 24348-5016
Document Number	639/186
Book / Page	639 / 186
Instrument Date	Mar 10, 2020
Instrument	200000491
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 CLOVERDALE LN, INDEPENDENCE, VA 24348-5016

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of June 1, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Grayson County
Unified School District	Grayson County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,624.00 (+4.24%)	$1,314,500 (-) Land $486,100 Building $828,400	$1,314,500 (-) Land $486,100 Building $828,400
2023	$7,314.00	$1,314,500 Land $486,100 Building $828,400	$1,314,500 Land $486,100 Building $828,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 28, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigaBeam Networks Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cloverdale Rd

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